Reprise de l’atelier de jus de pommes le 05 septembre 2015 à Volmerange

vendredi 4 septembre 2015 par Thierry J

Reprise de l’atelier de jus de pommes

L’atelier de jus de pommes de Volmerange-lès-Boulay reprendra ses activités :

samedi 5 septembre 2015.

Les réservations et les prises de rendez-vous se feront par téléphone au :

07 82 59 02 77.

Nous vous rappelons que l’atelier fonctionne trois jours par semaine :

les lundis, mercredis et samedis de 8h à 17h.


Forum

  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    17 octobre 2017, par arrigh arrigh
    The hardest thing to learn in life is which bridge to cross and which to burn.David Russell The American corporate culture has helped sell millions of copies of press due to their irrational decision-making. Well, it is hard to believe that just one bad decision, or underestimating a single brilliant individual, can actually turn out to be the last mistake of a billion-dollar conglomerate. However, that is not the case in every situation, and not all bad decisions have affected companies drastically. Take the case of General Motors or GM. The company made several mistakes since it was formed, but none of them were as harmful as the idea of manufacturing large vehicles at a time when hatchbacks were trending. This, and many more silly decisions, led to the fall of GM during the recent financial crisis. Though GM was saved by a government bailout, not every company has a happy tale to tell. This article just doesn’t talk about big conglomerates and the mistakes that led to their downfall, it talks about some of the biggest bad business decisions made by individuals that altered their road to greatness forever. Who can forget what Lehman Brothers did ? They took full advantage of the real estate market boom by maximizing the amount they borrowed to purchase more mortgage-backed securities and real estate. By 2007, their leverage ratio was 31-to-1, in simple words, they were borrowing $31 for every $1 in equity. This risky move proved highly successful for Lehman Brothers, and earned them billions.However, the party was short-lived as real estate prices dropped significantly. The firm ran from pillar to post, but was unsuccessful in unloading those assets onto the market, as the real estate market crashed. Other financial institutions like Goldman Sachs Group and Morgan Stanley saved their heads by becoming bank holding companies, which made them eligible for government bailouts. Help did come for Lehman, but it was too late, the ship had already hit the ocean floor. The company already lost billions, and its accounting partner Ernst & Young filed a suit against the executives for unlawful accounting practices. The company that started the mobile revolution. It is hard to believe that Motorola whose mobile phones captured almost 40% of the US market share in 2006, can’t be seen anywhere these days. Who can forget the thin and stylish Moto Razr that became the phone everyone wanted. However, it failed to capitalize its own success, and for various unknown reasons the company failed to launch next generation smartphones.By 2007 it was selling the Razr with discounts. Between 2006 and 2009, the company’s stocks plummeted from $107 to $13. By 2010, Apple and Blackberry smartphones were giving tough competition to the mobile giant. Earnings went from $43 billion in 2006, to just $22 billion by 2010. To cover up the loses, the board decided to split the company into two separate companies, from which the mobility unit was purchased by Google. Not many know, but it was Eastman Kodak that was the inventor of digital camera back in 1975. It is unfortunate that the company failed to recognize its own invention, and didn’t invest in the technology to ensure the safety of its film business.In the 90’s, tables turned and people started preferring digital cameras instead of their film counterparts. The company tried to recover by penetrating digital models into the market, but by then Sony, Fuji, and Canon were already dominating the market. In 2001, it was behind Sony in the digital camera market, and was losing almost $60 on every camera it sold. By 2010, the situation got worse for Kodak as the market was buzzing with the rise of tablets and smartphones. Its stock prices fell from $94 in 1997, to 65 cents in 2011. Firestone was one of the biggest tire-making companies, and remained so for quite sometime. In 1972, to keep itself ahead in the competition, Firestone started manufacturing radial tires that had a longer shelf life than regular tires. However, the same year it was reported that rubber came off from the wire when the tire was in use. Initially, the company ignored the problem, and was manufacturing and selling these faulty tires to auto giants like General Motors. Soon pressure from media, government, and human support groups increased, and Firestone was forced to recall almost 10 million tires in 1978.To save itself from the government’s wrath, Firestone initially blamed the consumer for the low maintenance of its product. However, an investigation conducted by the National Highway and Traffic Administration revealed that the top bosses of Firestone knew about the defective products before they left the company’s warehouse. This led to lawsuits, lots of negative publicity that badly affected Firestone sales and earnings, and the company was eventually bought by Bridgestone in 1988. DEC (Digital Equipment Corporation) Digital Equipment Corporation or DEC was a hit among the masses because it always priced its products way below than its biggest competitor International Business Machines Corporation (IBM). DEC was a leader in the minicomputer market from the mid 60’s till the early 90’s, but it took too much time to penetrate the PC market.When they finally decided to enter the computer market, they went in with their own operating system, VMS. The plan backfired and companies like Hewlett-Packard and Sun Microsystems captured the market by promoting UNIX. Soon after, Microsoft became the world leader of the PC market, and DEC began fading away. It kept posting losses worth billions, and finally was bought out by Compaq in 1998. In 1985, the century-old Coca -Cola decided to change its classic cola recipe. Why ? Because Pepsi was emerging as serious threat, and Coke wanted to prove its merit. Company executives stepped up and announced that the old flavor was being retired for something new, and almost every banner said that ’You would love it’.The results were very very bad. Within weeks of the launch of the new Cola flavor, thousands protested in front of the company’s office, and shoppers poured away all the stock in gutters. Although the new Coke tasted good, millions of Americans had already established a deep connection with the classic recipe, and they never wanted it gone. The company had never imagined this backfire, and after three painful months realized their mistake and relaunched the classic formula. Would you believe that Ross Perot, the founder of Electronic Data Systems (EDS) and Perot Systems negotiated to buy Microsoft in 1979 ?Perot was a computer-industry kingpin billionaire in 1979, and was very interested in buying the up-and-coming Microsoft. He offered the then young Bill Gates a price between $6 to $17 million, but Mr. Gates knew that his brainchild was worth more. He quoted somewhere between $40 to $60 million, and Perot found the price to be way too high. There is no need to say what Microsoft’s worth is today, and Perot has acknowledged on various media platforms that he made the biggest business mistake of his life by passing off this deal. Kmart initially had a great run and was doing good business. Then in the 90’s, in an attempt to give stiff competition to Walmart, Kmart engaged in a full-fledged discount price war with Walmart stores. Walmart was working with a supply chain system called ’just-in-time’, that allowed the retailer to restock necessary items. Kmart never had such a system, and it faced consumer complaints when there were no goods available. During this fiasco, Walmart shares rose to around $82 and Kmart’s shares fell 63%. A new team was soon hired to turn the fortunes around, but it was too late and the company filed for bankruptcy in 2002. The current Chrysler subsidiary was bought out in 1987 after it had incurred huge losses for almost 20 years. The biggest mistake that American Motors did was to replicate the business strategy of Ford and General Motors by manufacturing large cars for a better profit margin.The move didn’t work as planned and the company faced huge losses, but was able to survive for a while thanks to the success of the Jeep brand in 1970. However, even Jeep couldn’t save American Motors completely, as international auto makers had penetrated the American market, and were selling cars at a much lesser price due to the availability of cheap labor in their country. One of the biggest reasons for the American Motors downfall is the long-standing labor agreements in place that guaranteed a higher percentage of salaries in the 1980s. RCA (Radio Corporation of America) Consumer electronic giant RCA was regarded as one of the most innovative companies of its time. It is highly credited with introducing the concept of electronic televisions to a wide market. Everything was going great for them, then suddenly the company decided to diversify its business, and purchased a dozen companies that included Hertz (Car Rental), Random House (Publishing House) and Banquet (Food maker).The company even jumped with both feet in the business of mainframe computers, something that was IBM’s territory that time. The saddest part was, as RCM was broadening its horizons, it was cutting back on R&D for its original business. Soon the company found out that its mergers were unsuccessful and incurred heavy losses. It tried to return to its original business of color televisions, but by then major Japanese electronic manufacturers that made cheaper goods had reached America. There was a time when not everyone knew Google, and the company was also a small player in the Internet market. A well-known name of the 90’s, Excite Portal was very interested in buying Google, and they were pleasantly surprised when they found out that founders (Page and Brin) were more than happy to sell Google for a $1 million. Further discussions brought down the price by $750,000.In the end, the deal fell through because Excite’s CEO George Bell was against it. A few years later, Excite was purchased by Ask.com. If that deal had been successful, who knows what would have happened. Could Excite be what Google is ? In the end, Excite Portal missed a terrific opportunity to buy Google for less than a million. By the way, Google’s current worth exceeds $150 billion. Some More Really Bad Business Decisions Everybody wanted to be a part of Facebook, and when the social networking giant offered its IPO, investors jumped in with both feet. However, its stock debut in May was a disappointing affair. The biggest mistake was to price the stock at a high rate of $42.05. Sure the initial hour generated a lot of excitement, but it went on a total downhill from there. No one expected the stocks to be so highly priced, and as a result the prices fell to $17.55, but then went up to $27. In addition to the underperforming stock, the incident of several Wall Street banks analysts already informing their preferred clients about the low revenue estimates of the company, attracted harsh criticism from small time investors. Decca Records Ignores The Beatles It is really hard to believe that someone would ignore The Beatles, but that’s what Decca Records did after viewing their audition. The Beatles felt good about their chances, but they were dropped on the reason that ’Guitar groups are on the way out’. We all know what happened next with the four Beatles. NBC and CBS pass on Monday Night Football Baseball dominated the TRPs during the 60s, but it was football that was emerging as the new favorite of the masses. Commissioner Pete Rozelle knew that a joint venture between the NFL and AFL would create a great show and bring immense popularity and success to the sport. Executives tried approaching NBC and CBS, but the channels were unsure of the concept, and they didn’t want to sacrifice their successful sitcoms for sports. The opportunity was grabbed by ABC, and Monday Night Football became one of the highest rated shows of the channel. ABC Ignores The Bill Cosby Show After the win with Monday Night Football, ABC executives did one of the biggest mistakes of their careers - they passed off The Bill Cosby Show. The idea for the show was first pitched to the President of ABC’s Entertainment Division Lewis Erlicht. He turned it down, because Cosby didn’t have a script or the pilot episode ready. NBC picked up the idea, and The Bill Cosby Show became an instant hit catapulting NBC’s status as the most watched television network in America. M&M’s Turns Down an Opportunity to Appear in E.T. Although it was a new product, the sales of Reese’s Pieces skyrocketed after it appeared in Steven Spielberg’s, E.T. The Hershey Company can thank their competitor M&M’s, who passed on this opportunity for unknown reasons. Never in their wildest dreams would these people have thought that their one wrong step or miscalculation could end up being so bad that it changed lives forever. gilbert houses for sale
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    17 octobre 2017, par cypria cypria
    Traveling is generally stressful for people - but much more for pets - particularly if you utilize those old, hard-shell companies. Dogs can’t see what’s taking place around all of them and hardness of the product helps it be difficult in order for them to flake out. That’s the reason why you want to get a pet service that is created for vacation like Mr. Peanut’s Airline Approved smooth Sided Pet Carrier . It’s designed to quickly fit under an airline chair and is an approved vacation bag for pets. Because it’s smooth sided, it instantly offers even more convenience for the animal. If he shifts, he’s not gonna need contort like he’d in a difficult layer company. He can change, lay-down rather than feel like he’s caged. Best Dog Products 2017
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    17 octobre 2017, par prathi prathi
    Married ? Indeed became one of the needs of almost anyone in the world. No wonder a lot of people want to appear on their wedding day. In Indonesia itself there are many places that provide the supplies got married, one of them in My Boutique Kebaya. http://grosirkebaya.net/ There provides a very complete kebaya outfit, not only clothes, but also provide supplies. Kebaya Modern
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    17 octobre 2017, par qi qi
    Realtors are constantly seeking new ways to control business costs, in a slow market. Placing print advertisements, and printing up fliers to leave at listings, may eat a sizable portion of a realtor’s budget. Fortunately, real estate mobile marketing, as part of an overall digital strategy, provides a no-paper, low-cost avenue for reaching potential clients. This type of marketing also helps realtors to be more proactive with advertising, rather than reactive. Mobile marketing is defined as communicating with customers via a mobile device. This capability appeals to a clientele that is rapidly growing more technologically sophisticated. Realtors who have mobile capability may assist buyers twenty-four hours a day, seven days a week. This availability gives the realtor a competitive advantage, in the recruitment and retention of clients. Realtors are set back in a reactive position with print ads, and even with websites. In both cases, realtors have to wait for clients to contact them about the property. Even fliers will never be picked up unless a client actually sets up a property showing. Ideally, realtors should be able to proactively market their listings to potential clients. Mobile capability will give realtors a platform in which to be more assertive, while, at the same time, saving money. Digital advertising may be realized in a number of ways. When realtors list a new property, for instance, they may choose to send the information to clients, using text messaging. Or, when an open house is about to begin, realtors could sent a text message to interested clients in their database. Realtors should also take advantage of SMS. For instance, realtors could establish a service, in which clients could text a keyword to a specific number, and then receive property listing information, right on their smart phone. SMS would replace the hassle of printing and carrying fliers to every property site, producing a savings of both time and money, while still delivering a valuable service. Advertising is only one aspect of an overall digital strategy. Many clients use their phones to look at property information online. For this reason, realtors should ensure that their websites are easily navigated with a smart phone, and that they do not publish too much Flash content. Additionally, good visuals on a website are important, and realtors may even consider adding a video element to their pages. Of course, there are even less expensive alternatives for digital strategy. One idea is for realtors to list homes on real estate websites, like Zillow or Trulia. Both of these websites feature high-quality mobile applications, and are rich in visual features. Another idea is for realtors to use social media to communicate with their client base. Real estate mobile marketing gives realtors new, fresh ways to reach out to potential clients. Web and phone-based services offer convenience to clients, at a low cost to realtors, thus helping them to recruit and retain more prospective buyers. Utilizing all of the capabilities of computers and smart phones allows realtors to match their services to the technological savvy of their client base. homes for sale fayetteville ar
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    17 octobre 2017, par rowell rowell
    When dealing in real estate, a very important thing to consider is the title insurance. It is a policy of indemnity that protects the owner’s right to ownership of the property. A rough estimate by most experts in the industry states the cost of title insurance at around 0.5% of the cost of the property. However, these policies can be tailored as per the applicant’s requirements. In case of a long-term agreement, this policy tends to have an increasing premium of about 10% on the initial premium, after 5 years of its issuance.About the Policy Title insurance, as mentioned above, is a policy and a provision of indemnity that protects the insured person, or the owner of the property, from certain financial risks. However, this policy only covers risks in context with the title of the property. There can be multiple meanings to this context in different situations. The first one being the most prominent one, ownership. The second one is more complicated, and is known as a ’lien’. It is a term used for a person who has the right to take over a pledged collateral, or a property, in case of default on a loan. It is generally used for creditors, bankers, and lenders. The third one is quite generic, and means a right to ownership, which is quite a broad term. This policy covers the financial expenditures that arise from the period before the policy was issued, and extends until all the mortgage installments are paid. In some cases, the time period differs as per the requirements of the insured. Also, there is a certain coverage limit beyond which the policy does not provide any compensation.Why is it Necessary ? Most mortgage lenders require you to get this policy in order to apply for any kind of financing, like real estate, home, or mortgage loans. This is because, it helps pay for all legal proceedings, and also helps against claims made by previous owners or lenders of the property. This policy is highly recommended if you are borrowing from a private lender, or, if the property has been a subject of foreclosure, short sale, bankruptcy, lease issues, or any other such event.Cost and Types There are three types of title insurance policies that are in existence, the price of such policies and their said premiums always differ from one another. Thus, the cost also differs as per the case. The owner’s title insurance : This is the most common policy that is applied for by property owners across the United States, and it is also quite cheap. Its cost is equivalent to about 0.5% of the property’s equity, and is equally divided into premiums on an annual or monthly basis. This policy only covers the owner of the house, and any other lender or creditor does not benefit from this plan. The lender’s or creditor’s title insurance : This policy is provided to the lender who is only interested in protecting his right as a lien to the property. Its cost depends upon the lender. Often, the insurer tends to cover several properties in a comprehensive policy for the lender. The builder’s insurance : This policy covers any losses and claims that are made during the construction period, or until the property is sold off/transferred. it is very good, the title insurance very important for many people to join it. - muhasan [December 11, 2010] houses for sale Orlando FL
  • [volmerange les boulay] : Poster un message
    17 octobre 2017, par Earlene

    How can I make my house office useful as an alternative of a litter-catch-all ?_ How can I explore my desires and set up..

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  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    17 octobre 2017, par tymote tymote
    Realtors are constantly seeking new ways to control business costs, in a slow market. Placing print advertisements, and printing up fliers to leave at listings, may eat a sizable portion of a realtor’s budget. Fortunately, real estate mobile marketing, as part of an overall digital strategy, provides a no-paper, low-cost avenue for reaching potential clients. This type of marketing also helps realtors to be more proactive with advertising, rather than reactive. Mobile marketing is defined as communicating with customers via a mobile device. This capability appeals to a clientele that is rapidly growing more technologically sophisticated. Realtors who have mobile capability may assist buyers twenty-four hours a day, seven days a week. This availability gives the realtor a competitive advantage, in the recruitment and retention of clients. Realtors are set back in a reactive position with print ads, and even with websites. In both cases, realtors have to wait for clients to contact them about the property. Even fliers will never be picked up unless a client actually sets up a property showing. Ideally, realtors should be able to proactively market their listings to potential clients. Mobile capability will give realtors a platform in which to be more assertive, while, at the same time, saving money. Digital advertising may be realized in a number of ways. When realtors list a new property, for instance, they may choose to send the information to clients, using text messaging. Or, when an open house is about to begin, realtors could sent a text message to interested clients in their database. Realtors should also take advantage of SMS. For instance, realtors could establish a service, in which clients could text a keyword to a specific number, and then receive property listing information, right on their smart phone. SMS would replace the hassle of printing and carrying fliers to every property site, producing a savings of both time and money, while still delivering a valuable service. Advertising is only one aspect of an overall digital strategy. Many clients use their phones to look at property information online. For this reason, realtors should ensure that their websites are easily navigated with a smart phone, and that they do not publish too much Flash content. Additionally, good visuals on a website are important, and realtors may even consider adding a video element to their pages. Of course, there are even less expensive alternatives for digital strategy. One idea is for realtors to list homes on real estate websites, like Zillow or Trulia. Both of these websites feature high-quality mobile applications, and are rich in visual features. Another idea is for realtors to use social media to communicate with their client base. Real estate mobile marketing gives realtors new, fresh ways to reach out to potential clients. Web and phone-based services offer convenience to clients, at a low cost to realtors, thus helping them to recruit and retain more prospective buyers. Utilizing all of the capabilities of computers and smart phones allows realtors to match their services to the technological savvy of their client base. jacksonville florida
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    17 octobre 2017, par osalon osalon
    Permanent Makeup in New York City Reasons for choosing permanent makeup Permanent makeup with will assist with all of the following : Hair loss from alopecia, radiation treatment, accidents, burns, plastic surgery or aging. Literally active individuals that want to look their best throughout tasks such as aerobics, running, swimming, boating, and don’t want to bother with "sweating off" or reapplying cosmetics. Male that want attribute improvement that looks natural and also not "made up." Allergies to ordinary makeup or you might have sensitive skin. Motor harmed— arthritis, Parkinson’s condition, numerous sclerosis, stroke people, as well as those with an unstable hand that could not apply their own makeup. Individuals that simply constantly intend to look their finest— moms and various other active experts who do not have the moment for applying makeup daily. Micropigmentation Micropigmentation, often described as "permanent makeup," is a semi-invasive procedure ; the skin is passed through in order for the implantation of pigment to take place. Permanent makeup should enhance your all-natural features, without offering a "made-up" appearance. Topical makeup patterns transform from season to season. However, having thick lashes and specified brows and also lips will never ever head out of style. Consequently, permanent makeup is not meant to replace topical makeup. It gives you the benefit of looking natural, just better, also when not putting on standard makeup. Eyebrows Brows that are also light, sparse, or missing, could be beautifully boosted as well as enhanced with micropigmentation. Brows are essential since they mount your eyes and offer your facial expression. When the brows are fuller and also extended, you obtain a more younger appearance. Norma can extend, enhance and also improve the appearance of your brows with a soft, powdery eyebrow or by simulated hair strokes with a 3-dimensional result. Eyeliner Permanent eyeliner is put in the eyelash line, which improves and specifies the elegance of the eyes. Norma’s strategy is an extremely natural appearance as well as will make lashes appear thicker when not wearing mascara. It opens the eyes as well as makes them "pop.". Lips. Permanent lip color is best for asymmetrically formed lips, thick lips, thin lips, or lips with uneven vermillion borders. It will certainly additionally get rid of the trouble of lipstick "bleeding" right into the fine lines around the mouth. Eyeliner Permanent Makeup NYC
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 à Volmerange
    17 octobre 2017, par Gia

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  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    16 octobre 2017, par ella ella
    Reasons For Hiring Professional Wedding Photography Services in manchester Wedding photography when carried out by talented and professional photographers like Ace Star Weddings would mean getting the best results and capturing every expression and emotion that is noticed in the couple, their parents, relatives, friends and all the guests, who have come to bless the couple. The professionals are known to pay full attention to the minute details, thereby adding immense charm to the photos taken by them. The wedding albums created by them are admired and appreciated by one and all. The professionals besides using the latest devices and gadgets for shooting Asian wedding ceremony from different angles, they make the photos to have life in them. Reasons for hiring the best photographer services in Birmingham -The professional wedding photographer can be considered to be an expert in the trade and can focus on taking candid photographic sessions of the entire occasion and make sure that no precious expression or emotion gets missed out. -The professional photographers offers an impressive and interesting style of covering the grand event through snapshots and photos, which would describe the event like that of story teller fashion. -The professional photographers do make use of modern approach when capturing the special event. Previously, the bride and the groom had to make themselves available in between the sessions for posing for the camera which may appear a bit cumbersome and dry. Ace Star Weddings being thorough, experienced and talented professionals do ensure maintaining the attraction and style element when capturing photos of the event, while keeping ease as well as freedom of moment in mind. -Principles of a aesthetics are kept in mind by the professionals when taking photographic sessions. Hence, each and every individual and the special moments are provided with special attention, which further adds to the attractiveness and charm of the photography. -They are ready to undertake personalized and special photo shoots for groom and the bride, if desired. Also, computerized effects can be opted for. -The photographs taken by them of the event in real time are sure to be enjoyed by the couple, the whole family and their friends and relatives for a long time. Be it in Llancashire or Manchester, it is possible to have the photographers to be hired and to get them capture pictures of the special moments of your marriage without any hassle. You are sure to come up with attractive pictures that can make you proud on the special moment. Adam Ali is expert Asian wedding photographer in London offering wedding photography through Powell’s Photography provide state-of-the-art, high-quality photography for all types of wedding occasions in Manchester, Lancashire & The Northwest www.powellsphotography.com/weeding-packages cheap wedding photographers manchester
  • [volmerange les boulay] : Poster un message
    15 octobre 2017, par Louann Rife

    Purchase actual gems, not faux knock-offs. As you shop for pearls, you will have three options : pure, cultured, or imitation.

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  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    14 octobre 2017, par dalan dalan
    Real estate is a market where prices are always on the rise. Though temporarily, there can be some downfalls for a specific time period, but in the long run there will always be a rise. The logic behind such a rise is simple. Human population is rising, and the total volume of land however, remains the same (ruling out the reclamation from sea which is very small) against the growing population’s need for land. Thus, the increasing demand tends to escalate the price of real estate. More the population, higher the cost would be. Thus, by sheer common sense we can say that, investing in real estate would always prove to be a profitable affair. Investor loans for real estate, are commercial loans that are different from home loans or a mortgage for a house. These loans operate on the same mechanism as conventional loans, there are however, some differences. In a real estate investing business plan, the borrower basically takes up a loan to purchase a commercial property, with a sole intent to make profit out of it, either by developing it and converting it into some business venture, or by selling it after developing it. The land can be turned into housing projects or even an industrial belt. Basically, the business plan needs to be sound, so as to get a good loan.Real estate investor loan, in some cases is simply referred to as real estate loan. It is a big loan, that means the amount that is considered to be the principal amount is enormous. Being a commercial loan, the interest amount often tends to depend upon the business firms credit standing, and a complex underwriting. But in usual circumstances, the rates of interest tends to be quite high. In some case, the interest rate tends to be an ARM (Adjustable Rate Mortgage), where the rate of interest remains common or fixed for a certain time period, and after a stipulated time period it becomes an ARM, and varies according to an index (also known as ARM margin) such as the general real estate price levels of the said locality, or some economic index, or as per the profits that are being obtained through the investment. In some cases, the lenders tend to keep the interest low and leave off some percentage of profit. But this totally depends on the lender and varies from person to person. The loan is of course secured, and is also charged a substantial depreciation while the price is assessed.Due to all these complications, one important investing tip, is that the loan should be either taken from a recognized bank or from a lending or finance institute that is prominently recognized. The process of real estate investing depends upon the process that known as underwriting. The process of underwriting is used to determine whether the loans for investors should be approved or not, and if they are, at what rates should they be approved.In commercial real estate investing, the lenders go through this complicated process by considering the following factors : Current and projected net worth of the real estate Proposed value addition and depreciation Projected revenue out of the proposed project Term and time period of recovery of cost Other sources of income of the investor Surroundings and environment of the property Nature and quality of land These factors are thoroughly considered in order to know whether the investor would be able to repay the said loan or not. The total interest that becomes payable is quite another issue, as several methods are used to compute it. Overall, if you are planning to take up any of the loans to invest in real estate, then make an exhaustive and thorough analysis of the situation, as it can be a very risky deal because the principal amount involved is not small. (Commercial Real Estate Real Estate Investments Foreign Real Estate Investment Commercial Real Estate Investment
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    13 octobre 2017, par ty ty
    The matter of investing money can make some of us excited, with others wanting to call up their investment advisers. But there are a few options out there that can be considered relatively safe, and yield decent returns. Having said that, you need to remember that no investment is absolutely fool-proof, and sourcing advice from professionals is always recommended. We have here a list of suggestions that recognize the pulse of the market and can be considered to be safe investment options. Take a look and make your choice.Best Investments for 2012 Gold Gold is a traditional, safe and extremely reliable investment, and that’s not just from a conservative point of view. Being a value-reserving asset, gold is your best bet in the long run. The foremost point backing gold as an investment is that its price is controlled almost entirely by the market forces of demand and supply. If you are skeptical about keeping a significant amount of gold in your possession, here are two other options - Think of investing in exchange traded funds (ETFs). ETF is a kind of mutual fund that trades on the stock market. Otherwise, consider buying gold mutual funds. These mutual funds are floated by companies that are into gold mining. Real Estate Investing in real estate is a rocking idea in 2012, all thanks to the basic demand-supply dynamics that control the markets. The current slump in real estate puts you at an advantage, what with prices of housing possibly being at their lowest. As a fresh investor, you could think of buying a condo or an apartment in an upscale area, that can be rented out at a higher value. You may also look at buying an independent home. Financial observers reckon it’s going to be a stellar move in hindsight as the real estate market is predicted to witness a revival of sorts in the years to come. Stocks Don’t let Facebook’s dismal outing at the stock market discourage you from investing in stocks. If you have a decent amount in your hands for a long term investment, stocks are a good option. Before investing in stock, however, you should keep in mind that this investment comes with all the highs and lows that are an integral part of this trade. Buying stocks of a stable enterprise entitles you to a share in its future profits, and losses as well. Art Always seen as a perfect investment option for the moneyed lot, art is now being seen as a prudent investment for a regular Joe as well. There would be far too many people who’d choose to laugh at this, but one look is all it needs to assess the performance of art as an asset over the years. For those of you who are considering investing in art for the first time, it is a must to consult an experienced art dealer to guide you. There are several points to be considered, like insurance, taxes, authenticity and above all, the wayward workings of the art world. It may seem like a lot to an art novice, but there is no harm in keeping art investments as an off-beat option to add to your portfolio.Fixed Deposits Fixed deposits are the pick of the lot when it comes to safety, and are a perfect option for the cautious investor. Primary things to look out for while shopping for a fixed deposit are - The institution you are dealing with Interest rate Term of deposit There are several options when it comes to choosing a FD that is right for you. For the conservative investor who’s looking at safe returns, government bonds make for a good choice for their next-to-nil investment risk. For those willing to risk the returns, corporate and municipal bonds offer higher rate of returns, but are under the influence of market fluctuations.Mutual Funds The best way to go about investing in mutual funds is to study their past performance. If a fund has fared better than the others over the time, it makes sense to invest in it. Then there’s this stinging factor of fund expenses that are cut from the returns you get. Mutual funds are always affected by any sway in the market trends, but you need to look out for the ones that withstand the volatile nature of the investment market. Always remember, with mutual funds, research is an absolute must.The best way to ensure that your investment yields profits and is safe, is to hire an investment adviser. A professional understands the working of the financial markets very well and thus, will be able to suggest some good investments, which will meet your financial goals. Still, it always pays if you have some idea of the positives and negatives of the various investment options available for wealth creation so that you know exactly where you are putting your money.Disclaimer : This Buzzle article must be used only for informational purposes. Before investing, do consult an expert and use your fair sense of judgment. tucson homes
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    13 octobre 2017, par bryton bryton
    Winter brings with it the need to stay in the quilt, warm and comfortable. You don’t feel like stepping out of the house because of the severe cold. You want to sit curled up on your bed, watching television or reading a book by the fire. Pots of coffee and hot chocolate are your saviors, but you dread getting out of the blanket to go to the kitchen and prepare them. And you imagine how wonderful it would be to be in a sunny and warm area at such a time. Where the sun shines softly on your face and brings back the color to your blanched cheeks. Where your hair is not frizzy and unkempt like the winter cold makes it. And most of all, where you can totally relax your mind and body, and have a glorious time without worrying about a single thing. What you need is vacation. Either a vacation alone or a family vacation ! And there are quite a few places that you can go to, to escape the frigid cold of your town. Given below are some of the best places that you can travel to in December, so you can take your pick from these wonderful travel destinations and have a great vacation. Best December Vacation DestinationsWhen it comes to December vacations, there are quite a few spots to choose from. But you need to take many points into consideration before you decide to pick a December vacation spot. The duration of the vacation, the expenses that will be incurred before, during and after the vacation, the mode of transport, etc. Keeping these points in mind, we have compiled for you a list of some of the best places to travel to in December. Most of these places are good for a fun family vacation. So check out these vacation ideas, and pick the one that everyone agrees on.Florida Take your family to Florida and have a warm Christmas. This state has a separate identity as a tourist state, and rightly so. With places like Disney World to visit, what else can you say ? There are also a bunch of other theme parks, the famed Universal Studios, and other places like aquariums etc., to visit here. So, all in all, a great idea for a winter vacation this year !Arizona Arizona is pleasantly warm in December, the temperature being somewhere around 50ºF. The most beautiful thing to do in this warm state is obviously visit the Grand Canyon. You can hike across the Grand Canyon National Park or take a mule tour of the canyon. However you go, you’ll thoroughly enjoy the spectacular view ! Don’t forget to carry your cameras for this trip !Australia If you visit Australia, you’ll have one of the best family vacations ever. It is summer in Australia in December, so you can enjoy the warmth on the beaches. Visit the Great Barrier Reef, the Uluru-Kata Tjuta National Park, the Blue Mountains, Hunter Valley, Yorke Peninsula, and various other glorious places. Visit the important cities like Sydney, Canberra, Melbourne etc. and enjoy their night life !Goa Another great place to visit in December, is Goa, India. This tiny state is one of the tourist hot-spots, for Indian and foreign tourists. It is one of the good cheap December vacation spots too. Glistening beaches, friendly locals, a thrilling night life, and some delectable sea food cuisine are some of the things awaiting you in Goa, if you do plan a vacation there.Rajasthan If you’re looking for some of the cheapest places to travel, then Rajasthan, in India is definitely on the list. This desert state in India has a charming history and is still the home to Maharajas. Go on tours visiting the various palaces in Jaipur and Udaipur. Have candle lit dinners in the middle of the desert, and enjoy the beautiful handicrafts in the local markets.Phuket, Thailand Another great place to visit for a December holiday is Phuket in Thailand. Go beach hopping, visit the local market, bathe in the Phuket waterfalls, see the Big Buddha statue, and enjoy the various festivities in the town of Phuket. There are also quite a few adventure activities for kids and adults alike. So, it’s really a complete vacation package for the entire family !If none of these places appeal to you, you can always take a luxurious Europe vacation, and have a wonderful time ! It will be chilly, but sometimes that could be something that you will end up enjoying more than a warm vacation ! kitchen set murah
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    13 octobre 2017, par dagany dagany
    If a regular eight-hour working shift is not your cup of tea, and you are one of those who would rather work from home and be their own boss, home business is the option for you. Venturing into such an arena can be a truly rewarding and enriching experience if you are genuinely passionate about something.Things to Consider Before Choosing Such CareerWorking from home is an option for people who cannot or are not willing to work in a company, cannot tolerate the lack of creative control over their own work, and find home-based option a whole lot easier and convenient. Most of the time, people are very passionate about a particular thing or have a hobby that is close to their heart. Turning your hobby into a profession can be the simplest route to starting your very own business. However, you cannot make this happen overnight ; you need to make sure how to turn it into a viable idea and tap a particular market segment with it.Before finalizing it, ensure that you have studied and analyzed it carefully. It is advisable that you carry out SWOT analysis, which emphasizes analyzing the business idea under four categories, namely strengths, weaknesses, opportunities, and threats. It is better that you evaluate yourself using this technique, so that you get a chance to utilize your strengths, overcome the weaknesses, utilize the opportunities, and eliminate threats optimally.Make sure that you have studied the market and have a well-planned strategy to make your idea successful. Study the economics of the business, and ensure that you have sufficient funds to get started. Do not make hasty decisions and rush into any business without proper planning. It is also advisable that you start it on a relatively smaller scale and keep on expanding as you succeed ; this will reduce the risks of sudden and huge loss in it, which can occur if you make a hefty initial investment.In case you decide to freelance your services, make sure that you have a valid and credible person to whom you are providing your services. In case you are planning to start a business that will require a lot of space, make sure that you have a spare room in your house that you can turn into your office, instead of turning your entire home into a messy workstation. Last but not the least of all your concerns, make sure that you have a complete idea of the financial, emotional, and physical inputs that will be required out of you, beforehand. Ask yourself whether you are genuinely ready for it.Freelancing Freelancing is working independently on contract basis, be it any profession, writing, photography, designing, decorating, or even event management. It provides you the satisfaction of working without bothering you with the time constraints, so that you can work from home, on your own, at your own convenience, and get paid for it as and when you accomplish assignments. There are a lot of such opportunities available over the net, as well. This alternative has indeed become a preferred mode of working due to the freedom it offers.Cooking/Baking People who love cooking can make a huge profit by starting their very own catering business. Taking up contracts for cookies, appetizers, whole meals, or take-away is a wonderful idea to pursue your passion for cooking and also to earn profits out of it. Catering for birthday parties and other special occasions can be a great choice. Also, thinking on the lines of dabbawallahs of India, who provide nutritious meals to a majority of the working population, starting a regular food service for people who cannot manage to cook every day might be a great idea. This home-based option can be a fulfilling experience if you are passionate about the art of cooking and are ready to turn your kitchen into your workstation.Arts and Crafts In case you love spending hours in arts and crafts, then turning your hobby into a full-time home-based profession might not be a distant idea. Manufacturing customized arts and craft kits might be a great option. Also, think about manufacturing decorative craft accessories such as origami kits, coloring books, etc.Scrapbooking Fast-paced lifestyles often rob people of spending time to cherish and express gratitude for the wonderful memories in their lives. If you just love decorating and scrap booking, then taking assignments from people to create their very own memorabilia might be a truly rewarding home business idea. Use photographs and other trinkets and snippets to create beautiful scrapbooks ; this is something that you will enjoy creating and others will enjoy cherishing.Event Planning Being a party planner can be fun, but at the same time, it demands tremendous effort. If you have exceptional management and planning abilities, with the right amount of creative outlook and the ability to understand clients’ needs, then this is the perfect alternative for you. Planning birthday parties and other such events will require a lot of time, presence of mind, and the ability to handle the creative and financial aspects of the events. Good communication skills are also essential for this work, which you can pursue on a contract basis.There are many more options that you can choose from : financial consultancy, real estate, beauty salon, tarot reading, cleaning agency, commercial artist, computer training, music/arts teacher, cartooning, cooking classes, day care center, employment agency, marriage bureau, dating service, nutritional counseling, etc. The choices are abundant ; all you need to do is to find the perfect idea that suits your inclination, gives you a sense of creative satisfaction, and can provide you with sufficient profits. housing
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    13 octobre 2017, par hollya hollya
    Your vehicle is an important thing and you will get good care for. You could possibly don’t know significantly about vehicles as well as their restoration. This information is designed to support supply a tad bit more assurance within your capabilities and teach you the place to begin. This shows that the auto technician has passed a particular analyze for competence and possesses a lot more than 2 yrs expertise being a auto technician. This will tell you that the auto technician is capable of work on your car or truck. There is no need to get in touch with a mechanic each and every time you may have complications with your car or truck. There are tons of items that can resolve very easily. If it is a simple problem, you might be able to reduce costs by performing it on your own. You have to maintain your auto information. You might want these along when you visit get improvements completed an incredible destination to retailer them is the glove pocket. The car store would want to see any records. This will help them assess the dilemma more rapidly diagnostic functions. Prior to bring it set for repairs.You almost certainly recognize that some aspects at some point embark on dishonesty if they consider they can create a larger sized earnings, usually try to figure out the issue together with your car’s troubles yourself. Try getting a reliable technician who repairs autos alone storage area. And they can generally charge much less for work when they are seasoned and qualified. You may save plenty of dollars and offer an independent staff member by supplying these with business. Ensure the auto technician you work with knows about your specific vehicle. Spend additional to get the dealer to repair it if you don’t consider the shop you will truly understands anything they are performing. Before supplying the secrets to a shop, request labour costs or costs. Some stores have these expenses in conspicuous locations, so ensure you know specifically the things they are. You should recognize how the repairs are charged by the auto mechanic. Some outlets have the fix periods that are founded by particular manufacturers. Some "Small" fixes can even be an all day career by some companies. You may not necessarily will need to go through your vehicle seller to obtain work completed. There are actually very good mechanics and automobile outlets available for you to selected from. Locate a auto technician who you really are more comfortable with and stick with them. Keep in mind that any Build-it-yourself fixes for the car are high-risk. If an unexpected emergency, always have another person close by that will help you. Obtain good quality resources there is no need to worry about busting. This really is particularly important for your resources you make use of to modify your auto tires. The jack you might be focusing on the underside from the car. That’s why sometimes it’s best to have a great hydraulic jack with jack holders that are accredited. Bleed braking system following you’ve worked on them. Search for water leaks which may cause you to shed water. After that you can willing to examination travel your vehicle by using an unfilled streets. Push slowly at first to make certain that you can make sure your fixes are already performed effectively. Regularity is very important with regards to automobile repair outlets. Stick to a shop which includes received your have confidence in as opposed to going to several spots for job. Diverse retailers may offer you another proper diagnosis of your car or truck. They might also charge you to cover a lot more for maintenance. Attempt conversing with an auto restoration division at a nearby vocation college if you cannot afford to get the car repaired. You are able to shell out quite as far less for services since individuals do a little work on your vehicle whilst a mechanic appears on. There are lots of terrible outlets around, thus it can seem to be very difficult discovering a good one. It really is to your advantage to utilize the following tips once you have a car restoration will need. Getting serious amounts of do research can save you a great deal of distress. 24 hour towing near my location
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    13 octobre 2017, par chongk chongk
    Auto buying might appear to be a seller.The next info will show you the ropes. It’s a good idea to here are some ideas to get a whole lot. Obtain your loan for the auto online ahead of going to a car dealership. When you have a loan when walking in, you will find a considerably faster financial transaction. Find out your loans even before you have a look at an auto. As a way to protected the cash, you can speak to a banking institution. You will definitely get a significantly better bargain through your banking institution than throughout the car dealership. Spend some time to research your dealer prior to making any supply on a motor vehicle. It will be possible to get a much better discussing power if you know the way they run and financing alternatives. Reading through customer reviews is an excellent image of what you could be engaging in. When discussing, usually do not pinpoint the monthly payments, not simply the payment per month. Retailers have the ability to have any vehicle into a certain monthly payment degree, but you’ll pay out monthly rates for years about the total price of any outrageously-priced automobile. Negotiate the very best cost full you are able to for the course of your hire.Then you can know what the monthly instalment you can afford is. Before buying, analyze the merchandise. Visit vehicle display to check out models being offered.Car displays supply you with a exclusive opportunity to do aspect-by-part reviews of numerous automobiles in a single roof structure. Furthermore, it provides you a number of effectively-versed men and women in one location. Never move your finances, no matter what the auto dealership says. In order to invest in a second hand car deals, lookup the net. You absolutely do not have to search for a car dealership any longer. When possible, attempt Craigslist. You won’t really feel strain from your salesperson and can spend less. Study prior to signing it ! Just before agreeing to nearly anything, read the agreement. Once approved the file binds you. You can always use the deal house to go over it even more. Get yourself a duplicate to learn should you can’t take the deal home with you. Always try to shop around when buying a pre-owned automobile. There are several sites online resources that will provide you with of the things a particular automobile may be worth. You may use NADA or even the Kelly Glowing blue Guide to find out exactly how much an auto is. When a dealer is overcharging based upon these resources, you need to visit a diverse dealer. If insurance premiums with this brand name are extremely higher, an automobile seems cost-effective may turn out to be too expensive. Choose a car that strikes the proper notice in terms of buy price and guarantee. Certainly, these details helps you feel better equipped to get the correct automobile for you personally. Don’t be daunted by car purchasing ! Apply the information with this article to make the procedure that much less difficult. You may appear from purchasing a vehicle with just the right vehicle when continue to keeping some of your pocketbook intact. towing company
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    13 octobre 2017, par eppie eppie
    Bodybuilding is an activity that operates according to scientific principles and science is mathematically based. Bodybuilding is not an exact science and it’s not healthy to look up to some guru for all your answers. Bodybuilding is the art and the science of developing your body. Modern bodybuilding is ritual, religion, sport, art, and science, awash in Western chemistry and mathematics. An extremely important aspect of bodybuilding is proper nutrition. The diet aspect of bodybuilding is just as important, if not more, than the weight-lifting aspect. Bodybuilding is not a one-hour training session five days a week. Bodybuilding is more a philosophy of life than a straightforward physical activity. Bodybuilding is not just a sport ; it is an investment in your body and your life. Bodybuilding is not about lifting weights, but about training muscles. Bodybuilding is designed to develop the muscles for general, sportive or corrective purposes. Bodybuilding is more than just a sport, it’s a life style. Bodybuilding is a sport that mainly emphasizes physical appearance, body configuration and shape, trying to achieve aesthetics perfection. If you’re looking for a way to feel and look great - then bodybuilding is for you. Bodybuilding is, in its method and ideals, a contradictory practice. madugemukbadan
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    13 octobre 2017, par ayodel ayodel
    Many people these days take antioxidants to counter the detrimental effect of free radicals. Antioxidants mopped up free radicals and convert them into harmless substances. Free radicals are known to cause body cell decomposition and therefore are the main culprit in our aging process. Free radicals are linked to aging diseases such as cancer and heart problems besides making us age more quickly. Since free radicals cause our cells to decompose, then free radicals will also degenerate our muscle cells. Staying clear of situations that cause a surge of free radicals to surge is one way of prevention and taking antioxidants as a supplementation is another. There are many situations that will increase free radical activities such as sun burn, stress, smoking, alcohol consumption, pollution, exercise workout amongst others. Yes, we get a surge of free radicals when we exercise especially intensive exercises because we are putting our bodies under tremendous stress when we exercise. These muscle destroying activities will continue for hours and even days depending how intensive your exercises are. This is where antioxidants supplementing comes in. Since antioxidants neutralize free radicals, it helps your muscles to recover faster and stop the ravaging effects of free radicals on your muscle and thus allowing better muscle growth. So if you want your muscles to recover faster and want to grow bigger muscles after your workouts, supplementation with antioxidants may help. There are many antioxidants supplements in the market. Vitamin A, C and E are perhaps the better known free radical fighters out there. Some other excellent free radical scavengers are Green Tea extract, Alpha Lipoic Acid, Beta Carotene etc So our mums although may not have known about antioxidants and its effect of free radicals on our body was right when they insisted that we take our vitamins. Do protect your muscles and general health with antioxidants. Jamu penggemuk herbal
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    13 octobre 2017, par ellyn ellyn
    Whichever type of deed you have, it is advisable that you conduct a title research before signing on the dotted line.It is important that real estate transactions that include transfer of property are conducted in a legal way to avoid any problems in the future. For this, a detailed legal document called deed is essential to be prepared between the parties who are conducting the transaction. It gives the legal description of the property and the terms. A person who is transferring his interest in a real estate is called a grantor, and the one who receives it is known as grantee. Though there are many types of deeds, two of the most important deeds for real estate transactions are warranty and quitclaim deeds. Both are used for the legal transfer of property from one person to the other. Both documents have to be signed in front of witnesses for the completion of the transaction. They help protect the buyer or the grantee from third party claims for the property. Though there exist similarities, there are stark differences between the two.In a warranty deed, during the transfer of the title, the grantor or the seller warrants that his ownership of the property is clear and free of any kind of liens. This deed is mostly used for traditional sales transactions.In this deed, the grantor’s ownership of the property is not explicitly mentioned or assured for that matter. It only states that the grantor will release the ownership rights and interest in the property to the grantee. This deed is not used for traditional sales transactions.WARRANTY DEED vs. QUITCLAIM DEED■ There are no tax advantages in this type of deed.■ As property is transferred from one family member to the other, the transaction is treated as gift and, thus, has tax benefit.■ It guarantees seller’s ownership of the property.■ This does not guarantee or assure the grantor’s or seller’s ownership.■ Yes, the grantor or seller claims that he owns clear and legal title of the property.■ No, the grantor does not warrant that he owns clear and legal title to the property.■ The seller of the property warrants that the property he owns is free of any kind of liens, lease, and encumbrances.■ The owner merely transfers the title of what he owns to another party.■ During sale of property, this deed is made use of.■ This deed is not used during sale, rather is when the grantor is bequeathing the property after his death, adding spouse’s name to title, removing spouses name after divorce, or transferring it to a revocable trust.■ The level of legal protection to the buyer is high.■ The level of legal protection to the grantee is low.■ The transaction has a lower risk.■ The transaction may have higher risk.■ If there is any discrepancy in the facts mentioned in the warranty deed like change in area, name of the owner, forgotten lien, etc., the buyer may sue the former owner.■ If there are any problems with the title or a forgotten lien on the property, there is little legal help for the grantee.■ The buyer is entitled to get a compensation for the damages.■ The grantee does not have any right to claim compensation■ Warranty deeds can be backed by title insurance.■ Quitclaim deeds cannot be backed by title insurance.■ The parties in this transaction have a buyer and seller relation, and may not necessarily know each other.■ This transaction may occur between parties who are well-acquainted or even related to each other.■ It will work well in all property sale transactions provided the property has a clear title without any obligations. Also, the owner has complete ownership of the property.■ They work well where the property is transferred from one family member to the other, and both parties know the details of this transaction ; a third party is not involved.■ Chances of fraud are limited as the seller will have to compensate (you) for damages, if any clause in the deed is false.■ There are chances that you can end up paying for a property that the seller does not own in the first place.A person may exercise a warranty deed for some part of the property and quitclaim deed for the remaining. Whatever be the case, it is highly important that you solicit professional legal help from a real estate lawyer for conducting legal documentation and formalities involved.A warranty deed is any day preferable than the quitclaim deed, especially when you are dealing with an unknown party. The lower risk and increased legal protection will work in your favor. Seattle homes for sale

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